Institutional-Quality Asset Management

Dear Investor,

Thank you for your interest in Flat Fee Portfolios! I am pleased to provide you with information about our program – a program designed to make institutional-quality asset management accessible to individual investors.

We are proud to offer access to Dimensional Funds which are built upon the academic research of Eugene Fama and Kenneth French. Our Investment Team builds globally-diversified portfolios, conducts ongoing monitoring and due diligence, and performs systematic rebalancing.

At Flat Fee Portfolios we offer an affordable and easy-to-understand pricing structure. The fee includes annual client reviews with a dedicated advisor, online account access with consolidated portfolio values, quarterly performance reports with market commentary, and quarterly state of the market webinars.

I have been providing financial advice to clients for over 20 years, working as many advisors do, with clients who have complex retirement, estate and tax planning needs. I created Flat Fee Portfolios for investors who do not have a need for traditional planning services but could greatly benefit from our strategies. Thank you for considering Flat Fee Portfolios. We look forward to serving you.

Selected as a Kiplinger's "Top Pick" for professional investment management- Financial Advice for the Rest of Us" (August 2011)

Described by The New York Times as providing more investment choices, less conflict of interest, and simple pricing- Two Takes on Lower-Cost Investment Management" (May 2011)

Named a "Billionaire Strategy on a Budget" by Barron's- Billionaire Strategies on a Budget" (July 2011)

Based on assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work. (2009-2014)

Based on nominations, industry associations, background, professional designations, client retention rates, and average portfolio returns (2002)

Based on extensive industry knowledge and experience, the ability to navigate his clients through the downturn, his approach to addressing longevity and income issues, and the power to stand out from the competition (2010)

Please read the following important disclosures:

Flat Fee Portfolios is a dba of MACRO Consulting Group, LLC.

Advisory Services are offered through MACRO Consulting Group, LLC, a registered investment adviser with the Securities and Exchange Commission. MACRO Consulting Group, LLC only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

TD Ameritrade, Inc. and Fidelity Investments are the primary firms that MACRO Consulting Group, LLC uses to custody our Flat Fee Portfolios client assets. TD Ameritrade, Fidelity, and MACRO Consulting Group are separate and unaffiliated firms and are not responsible for each other’s services or policies. TD Ameritrade and Fidelity do not endorse or recommend any advisor.

TD Ameritrade, Inc. is the firm that we use to custody our client assets. TD Ameritrade and MACRO Consulting Group are separate and unaffiliated firms, and are not responsible for each other’s services or policies. TD Ameritrade does not endorse or recommend any advisor and the use of the TD Ameritrade logo does not represent the endorsement or recommendation of any advisor. Brokerage services provided by TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC/NFA. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission.